All In – Committing to Debt Freedom

There’s a moment in surfing where time seems to stand still. One of those “make it or break it” moments where it’s too late to turn back. As you paddle nervously into the wave it begins to rise up higher and higher and higher; and in an instant you find yourself staring straight down a wall of water with your heart in your throat. It’s this precise instant that dares you to be great. It’s this precise instant I want you to experience. This is how to live like no one else.

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Four Keys to Debt Freedom

Getting out of debt isn’t easy. It takes hard work, commitment, and sacrifice. For every family that’s made it there are dozens more that quit somewhere along the way. I went through paying off debt twice, once single and once as a newlywed, and I learned a lot about making it work. If I could talk to each person setting out to conquer debt these are the four keys I would share with them.

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What Freedom Sounds Like

Have you ever heard someone scream “I’M DEEEEEEBT FREEEEEEE!” on Dave Ramsey’s radio show? It’s the coolest thing on radio hands down. Imagine struggling through tens of thousands of dollars of debt to arrive at your new life in “debt free” land. Feel the weight lifted off your shoulders; the chains from your wrists. Can you feel the excitement of completing this journey?

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Weapon of Mass Debt-struction

Whether you’re quivering helplessly at the foot of a massive mountain of debt or just having trouble getting moving on a modest sized pile there’s a weapon that will help you level it like the planes of west Texas. It’s called the “debt snowball,” and while there’s a good chance you’ve heard of it if you’re reading this article then I’m guessing you haven’t tried it. I used this method myself to pay off over $15K in car loans before I was married, and again to pay off $12K in car loans immediately after I was married.

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Focus Pays Off

I recently learned about a cool time management concept from the blog Rock Your Day called “the living room principle.” The power of this principle is the same that accelerates people through the steps to debt freedom and is all about focus.

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Help! My Credit Card Company Raised My Rates!

If you’ve read even a handful of personal finance articles over the past few months you’ve undoubtedly come across this headline already.  You’ve heard plenty of tips about how to minimize the damages or adjust credit usage to life on the new frontier.  What is shocking however is that I don’t hear more people saying ENOUGH [...]

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